Farm Stay Insurance — Granite Belt Insurance Brokers
Granite Belt Insurance Brokers arranges farm stay insurance for rural properties that host paying guests, whether for short-stay accommodation, agri-tourism experiences, farm gate events or combined farm and tourism operations. Many standard farm insurance policies do not automatically extend to commercial guest activity — we ensure your cover addresses both sides of your operation.
✅ What farm stay insurance needs to address
- Public liability for guest activity — covering injuries to paying guests on the property, including farm activities (subject to policy terms and activities disclosed)
- Accommodation assets — the cottage, cabin or guest accommodation building and its contents
- Farm assets — farm buildings, machinery, livestock and fencing covered under the farm section
- Products liability — for farm gate sales of produce, preserves, wine or food products
- Business interruption — loss of accommodation income following an insured event
- Guest activity disclosure — horse riding, quad bikes, farm tours and animal handling must be specifically disclosed
⚠️ Common gaps in farm stay cover
- Standard farm policy does not extend to paying guest liability automatically
- Activities such as horse riding and quad bikes may be excluded without specific disclosure
- Accommodation building not separately insured or underinsured
- Products liability for farm gate produce not included in farm cover
- Business interruption covers farm income but not accommodation income separately
- Event hosting not covered without specific notification to insurer
How we structure farm stay cover
- 1) Guest activities — full list of all activities guests participate in
- 2) Accommodation type — cabin, cottage, shearers quarters, glamping or homestead
- 3) Farm activities — the underlying farm operation and its risk profile
- 4) Guest numbers — capacity and typical occupancy for liability rating
- 5) Farm gate and produce sales — types of products and sales volume
If you need to make a claim
- Notify us immediately for any guest injury, however minor
- Maintain a guest activity register and signed waiver records where applicable
- Document all property incidents and near-misses
- Do not admit liability to guests before speaking with us
Who this cover suits
- Orchard and vineyard properties with cellar door and accommodation
- Mixed farms with tourism accommodation components
- Agri-tourism operations offering farm experiences to paying guests
Renewal checklist
- Review activities list with insurer at each renewal — adding new guest activities
- Update accommodation building sum insured to reflect current rebuild cost
- Confirm products liability extends to all farm gate produce types
- Check whether event hosting is specifically covered
Related pages
Farm Insurance · Orchard Insurance · Vineyard Insurance · Contact Us
❓ Common questions about this cover
Here are some of the questions we are commonly asked when arranging farm stay insurance for clients across the Granite Belt, New England and Northern Rivers.
- How much does farm stay insurance cost? Premium depends on your specific situation — cover type, sum insured, activities, claims history and insurer selection all affect the price. We compare options and explain the differences.
- Do I need a broker or can I go direct? You can go direct to an insurer, but a broker compares multiple markets, structures cover to match your needs, and advocates for you at claim time. For complex or rural risks, broker access often finds options not available direct.
- What happens if I need to claim? Contact us immediately. We manage the notification process, help you document the loss, liaise with the insurer and their assessors, and advocate for a fair outcome.
- How do I know if I’m underinsured? Your sum insured should reflect the full cost of rebuilding or replacing at today’s prices. We can help you review your sums insured at renewal.
Talk to a local broker
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers since 1999. We are based in Stanthorpe and understand the local conditions, local risks and local insurer appetite. To arrange or review your insurance, contact us without obligation.
- Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
- ✉️ Email: email hidden; JavaScript is required
- Request a quote or review: Contact Us
Contact Granite Belt Insurance Brokers to discuss farm stay and agritourism insurance for your property. We serve the Granite Belt and New England region and understand the specific risks of rural accommodation and visitor operations on working farms.
Farm stay insurance through Granite Belt Insurance Brokers covers your property, your guests and your liability — structured around the realities of running a rural accommodation business on a working farm. Call us or contact us online to discuss your specific situation.
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